ICICI Lombard’s Travel Insurance Plan is most comprehensive plan available in India. Best part of this plan is that it’s providing coverage upto 85 years without medical check-up.
1- Coverage upto 85 years without medical check-up as per plan opted, but the Sum Insured is reduced as the age grew –
20- 50 Years – Maximum Sum Insured Available $ 250,000 #
>51* – Upto 85 Years – Maximum Sum Insured Available $50,000
#For Sum Insured above $ 100,000 – Sub Limit ‘A’ Applies
*Above Age Group 51 years – Sub Limit ‘B’ Applies
2- You can extend your cover upto maximum of 360 days (Original policy for 180 days and extension for additional 180 days)
3- You can get Medical & Nursing assistance for your loved ones back home, Automotive Assistance Services for dependents in India.
4- In case you decide to shorten your stay before the policy expires, you can reimburse the premium for unused policy duration (minimum unused period must be 30 days).
5- Both Online and Offline Policies Available. So if the policy is lost, you can go to ICICI Lombard website through your login id and password and take a printout instantly.
6- Cover for total loss of checked in baggage including handbags
1- You need to settle your claim, when you are back in India after the trip. Cashless hospitalisation applicable only in the case of financial emergency.
2- The Insured should submit claims documents as soon as the Insured returns to the Country of Residence of the Insured and in no case beyond a period of 30 days from the date of such return.
3- Some conditions of the cover are too far from reality in the normal circusmstances –
Missed (Flight) Connections : No claim shall be payable by the Company, If the time gap between the scheduled arrival of the previous flight and the scheduled departure of the next flight (Missed Flight) shall be less than 3 hours.
What is not covered?
1- Pre-existing conditions except in case of life-threatening situations
2- Addiction to alcohol, drugs
3- Mental disorder, anxiety, depression
4- Venereal diseases
5- Sexually transmitted diseases, AIDS, HIV
6- Radiation, nuclear weapons induced
7- Sporting activities
8- Expenses arising out of loss of valuables, money, securities and tickets
9- Naturopathy treatment, ayurvedic /homeopathic therapies
10- Treatment relating to removal of physical flaws-cosmetic or plastic surgery
11- Costs incurred relating to rest or recuperation at a spa or health resort
How to Buy?
Things you Need1- Photocopy of Passport
2- Two Photographs of Applicant
3- Duly Filled Application Form
4- Premium Cheque/Cash